Northstar

Choose your kit

Starter or Toolkit

Two one-time digital products. Starter is the core budget CSVs at $19. Toolkit is the full household money system at $47 — same core sheets, plus debt tracker, monthly review, and the side-income playbook.

No guaranteed income. No trading schemes. Pay once; keep the files.

Vol. 01 · Core budget templates

Northstar Starter

The core budget sheets — enough to see your money clearly this month.

A lighter, one-time kit: the household budget workbook and 90-day cash-flow calendar. No playbook, no debt tracker — just the two sheets most people need to stop guessing.

01

Household budget workbook

Zero-based monthly budget and sinking funds. CSV that opens in Excel, Google Sheets, and Numbers.

02

90-day cash-flow calendar

See what is coming in and going out over the next quarter so due dates stop being a surprise.

Files in this kit

  • Budget workbook (CSV)northstar-budget-template.csv
  • 90-day cash-flow calendar (CSV)northstar-cashflow-calendar.csv

Vol. 01 · Household money system

Northstar Toolkit

Templates for the money you already have, and a playbook for work on the side.

The full one-time digital kit: budget and cash-flow spreadsheets, debt and bills tracker, monthly review, plus a short playbook for choosing side work without wrecking your week.

01

Household budget workbook

Zero-based monthly budget, sinking funds, and a 90-day cash-flow calendar. CSV templates that open in Excel, Google Sheets, and Numbers.

02

Debt and bills tracker

A payoff-order sheet (avalanche or snowball) and a recurring-bills register so due dates stop being a surprise.

03

Monthly review template

A 45-minute close-the-month ritual: what came in, what went out, what was a surprise, what you change.

04

Side-income playbook (PDF)

A practical filter for extra work: time, skills, cash needed, and days-to-first-dollar. Not a trading course. Not a guarantee.

Files in this kit

  • Budget workbook (CSV)northstar-budget-template.csv
  • 90-day cash-flow calendar (CSV)northstar-cashflow-calendar.csv
  • Debt and bills tracker (CSV)northstar-debt-tracker.csv
  • Monthly review (CSV)northstar-monthly-review.csv
  • Side-income playbook (PDF)northstar-side-income-playbook.pdf

Already have Starter? Toolkit includes those same two CSVs plus the rest — buy Toolkit when you are ready for the full map.

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